Capital Small Finance Bank Reports Robust Growth in Advances and Deposits

Capital Small Finance Bank has demonstrated strong financial performance, with significant growth in both advances and deposits for the quarter ended September 30, according to the bank's latest business highlights.

Impressive Growth in Advances

The bank reported a substantial increase in its gross advances, which stood at ₹7,907.00 crores as of September 30. This represents a remarkable year-over-year growth of 17.70% and a quarter-on-quarter increase of 6.30%. The loan portfolio expansion is further emphasized by a 10.10% growth year-to-date for the half-year period.

Notably, disbursements during the quarter surged to ₹805.00 crores, marking a significant 36.20% increase compared to ₹591.00 crores in the same quarter of the previous fiscal year. The bank maintains a well-diversified loan book, with 99.00% of loans being secured, aligning with its retail-centric lending approach.

Deposit Mobilization Strengthens

Total deposits for Capital Small Finance Bank reached ₹9,317.00 crores, showcasing a robust year-over-year growth of 19.80% and a quarter-on-quarter increase of 2.30%. The year-to-date growth for the half-year period stood at an impressive 12.00%.

Stable Asset Quality

The bank's asset quality remained steady, with Gross Non-Performing Assets (NPAs) at 2.70% as of September 30. This figure is slightly lower on a quarter-on-quarter basis and marginally higher compared to 2.60% in the same quarter of the previous year. The stability in asset quality reflects the bank's prudent underwriting practices and robust recovery mechanisms.

Key Financial Metrics

Particulars	Sep 30	Jun 30	Q-o-Q Growth	Sep 30 (Previous Year)	Y-o-Y Growth
Gross Advances (₹ cr)	7,907.00	7,437.00	6.30%	6,718.00	17.70%
Total Deposits (₹ cr)	9,317.00	9,110.00	2.30%	7,780.00	19.80%
Gross NPA (%)	2.70%	2.70%	-	2.60%	-

Other Notable Highlights

The CASA (Current Account Savings Account) ratio stood at a healthy 33.90% as of September 30, compared to 35.90% on June 30.
The average Credit-Deposit (CD) ratio for the quarter ended September 30 was 81.50%, slightly up from 80.90% in the previous quarter.
The Liquidity Coverage Ratio (LCR) of the bank was robust at 234.90% for the quarter ended September 30, indicating strong liquidity position.

Capital Small Finance Bank's performance demonstrates its ability to expand its lending activities while simultaneously growing its deposit base. The bank's focus on secured lending and maintaining asset quality positions it well for sustainable growth in the small finance banking sector.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
+0.53%	+1.86%	+3.78%	-2.40%	-1.17%	-34.06%

Capital Small Finance Bank has taken a significant step towards restructuring its shareholder categories by applying for the reclassification of 14 entities from the Promoter/Promoter Group category to Public shareholders category. The bank submitted applications to both the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE) on September 23, 2025, seeking approval for this change.

Reclassification Details

The reclassification request involves 14 entities, including individuals and companies associated with the bank's promoter group. Here's a breakdown of the key entities and their current shareholdings:

Entity Name	Category	Shares Held	% Holding
Dinesh Gupta	Promoter	295,920	0.65
Dinesh Gupta HUF	Promoter Group	30,333	0.07
Deepali Gupta	Promoter Group	2,890	0.01
Minni Gupta	Promoter Group	5,300	0.01
Raman Kumar Gupta	Promoter Group	1,000	0.00
Gaurav Mittal	Promoter Group	100	0.00

Impact on Shareholding

The combined shareholding of all 14 entities represents approximately 0.74% of the bank's total shares. Notably, several entities in the list currently hold zero shares, including:

Harish Kumar Gupta
Kumar Shalya Gupta
Shubham Gupta
Monica Mittal
Empower Tech Private Limited (formerly known as DSB Edutech Private Limited)
KMG Consultants
DSB Law Group Private Limited
Dinesh Gupta & Co., Company Secretaries

Regulatory Compliance

This move is in compliance with Regulation 31A of the Securities and Exchange Board of India (SEBI) Listing Obligations and Disclosure Requirements (LODR) Regulations, 2015. The bank's Company Secretary and Compliance Officer, Amit Sharma, confirmed the submission of the application in an official disclosure to the stock exchanges.

Implications

If approved, this reclassification would result in a slight reduction of the promoter group's stake in the bank. It may also potentially increase the public float of the company's shares, which could have implications for liquidity and trading volumes.

The reclassification request is now subject to approval from both the BSE and NSE. Shareholders and investors will be keenly watching for the exchanges' decision, as it could impact the bank's shareholding structure and potentially its governance dynamics.

Capital Small Finance Bank's shares are listed on the BSE and NSE under the scrip code 544120 and symbol CAPITALSFB, respectively. As the process unfolds, market participants will be monitoring any potential impact on the bank's stock performance and overall market perception.